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    OCBC FRANK Credit Card For Entertainment: Yet to Get Customer Reviews

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    OCBC FRANK Credit Card offers cash rebates whenever you eat out, hang out at bars, clubs, cafes, KTVs and shop online. Maximise your rebate earning potential by spending a minimum of S$400 per month. The key part is that you earn rebates on your Grab rides as well.

    Card Highlight
    • Pay through mobile wallets.
    • Up to 5% cash rebate on entertainment at bars, clubs, theatres, and more.
    • 6% cash rebate on online shopping, flight bookings, Grab rides and more.
    • Enjoy a fee waiver on the principal and supplementary cards for two years.

    Best suited to : Millennials who transact online frequently, regularly visit bars, clubs, KTVs and cafes.

    Key Features

    Features Description
    Annual fee S$80 (waived for the first two years)
    Cash rebate on dining
    • 5% on weekend dining
    • 3% on weekday dining
    Cash rebate on online shopping 6%
    Cash rebate on entertainment
    • 5% between Fridays and Sundays
    • 3% on other days
    Cash rebate on NETS FlashPay Auto Top-Ups 3% on the first 2 top-ups every month
    Cash rebate on all other retail spends 0.3%
    Complimentary travel insurance Not available

    Any Other Benefits

    • Select your card design from over 120 designs.
    • Use mobile wallets such as Google Pay, Apple Pay, and Samsung pay to make contactless payments.
    • Link your credit card to a FRANK or an OCBC 360 account and get access to Saving Goals and Money In$ights.
    • Retail purchases through PayPal will earn you cash rebates provided the item has a Merchant Category Code (MCC) allotted by Visa.
    • To know more, visit our OCBC credit card promotions page to check out the list of offers and their expiry dates.

    How Can You Earn Cash Rebates?

    • Spend at least S$400 on offline transactions in a month to be eligible for additional cash rebates on online shopping, entertainment related purchases and NETS FlashPay top-ups.
    • Earn 0.3% rebate on all retail purchases. Also, if monthly minimum spend is criterion is not met, earn 0.3% rebate on all retail transactions.
    • Cash rebate is capped at S$60 per month.

    Let Us Illustrate:

    Suppose you have spent S$1,000 in a month across spend categories in Singapore. According to the programme, you need to spend at least S$400 on offline purchases to earn rebates. Hence, the amount of cash rebate you will earn for different categories is shown in a table below:

    Cash rebate Monthly spend Cash rebate rate Cash rebate amount
    Dining S$300 5% S$15
    Online shopping S$200 6% S$12
    Entertainment S$500 5% S$25
    Total S$1,000 Cash rebate earned is S$52

    Interest Rates

    Type of Interest Rate
    Retail purchases 25.92% p.a.
    Cash advance 28.92% p.a.
    Instalment Payment Plan 0%

    Other Charges

    Type of charge Charge
    Overseas transaction fee 2.8%
    Late payment fee S$100
    Cash advance fee S$15 or 6% of the transacted amount, whichever is more
    Supplementary card fee S$40 (waived for the first two years)

    Activating the Card for Overseas Expenses

    Yes, you must activate the magnetic stripe on the back of your credit card for overseas use. This stripe remains inactive, by default, to prevent fraudulent activities on your card. To activate this feature, you can follow these steps:

    • Send an SMS to OCBC to activate the card in one day.
    • Go to any of the nearest bank branches and activate your card.
    • Visit the OCBC website to activate the overseas transaction feature.
    • Log into your online or mobile banking account to instantly activate the feature.
    • Call the customer service helpline.

    Once you return to Singapore, you must deactivate the overseas use feature to keep your card safe.

    What Instalment Payment Plans Are Available

    • Convert your high-priced purchases of S$100 and above into affordable and fixed monthly instalments with the interest-free PayLite instalment payment plan.
    • Spread out your payments over 24 months to reduce your cost liability.
    • A low one-time processing fee, starting from 3%, will apply.
    • The effective interest rate for 24 months is as low as 9.15% p.a.

    Cash Withdrawal on the Credit Card

    • The maximum cash withdrawal amount from an ATM is pegged at S$1,000 per transaction.
    • A maximum of S$20,000 per day can be withdrawn from the ATM.
    • Alternatively, you are allowed to withdraw up to 70% of your available credit limit.
    • ATMs abroad may have different withdrawal limits.
    • You can withdraw from any OCBC ATM in Singapore and from ATMs that have a Visa or a Mastercard logo when overseas.

    Eligibility Criteria

    Visit our dedicated OCBC credit card main page to check the eligibility criteria for this card.

    Lost/Stolen Cards

    • Notify the bank instantly by calling the customer service.
    • File a police complaint and submit the report to the bank.
    • Write a letter to OCBC confirming the theft/loss/damage of the credit card.
    • The maximum liability for any illegal use of your card will be S$100 if you can prove that you were not careless or involved in the theft/loss.

    Find out about the various perks and benefits of a credit card when applying online. With credit cards explained in detail on our website, you can make a quick comparison, read the information, and decide on the right card.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions – Use the GIRO option

    If you intend to pay either the full card amount or the minimum amount every month, you can set up a GIRO transaction with a bank account. Fill up the GIRO form and send to the bank. You will not have to worry about remembering monthly payment due dates on the card.

    How to Apply for the Card & Check the Application Status – Online/At branch

    Using the OCBC Bank’s online portal, you can apply for an OCBC Frank Credit Card. You could also visit a FRANK store or an OCBC branch. You can track your card application status by reaching out to the OCBC’s 24/7 customer service hotline.

    How to Check Balance – Phone banking/internet banking/mobile app/SMS

    Your card balance can be tracked in one of these ways:

    • SMS banking
    • Phone banking
    • Mobile banking
    • Internet banking

    How Can the Bill Be Paid? – ATM/FAST/GIRO/NETS and others

    Pay your credit card bill in one of these ways:

    • Cash
    • Cheque
    • Internet banking
    • Any OCBC ATM
    • Interbank GIRO
    • Phone banking
    • Mobile banking
    • Cash deposit machine
    • Any OCBC Bank branch
    • Via FAST (Fast and Secure Transfer)
    • NETS or CashCard via any iNETS Kiosk
    • AXS m-Station, AXS Station, and AXS e-Station

    How Much Is the Minimum Payment to Be Made on the Card? – S$50 or 3% of the bill

    Your minimum payment every month will either be 3% of the pending balance amount or S$50, whichever amount is higher, will be considered. All outstanding dues from the previous billing cycles have to have been cleared to enjoy this perk.

    What Is the Grace Period? – 23 days

    You’ll qualify for an interest-free period of 23 days only if you don’t have any outstanding dues from your previous billing cycles.

    Which Mobile Wallets Can This Card Be Used With? – Apple Pay/Garmin Pay/Samsung Pay/Google Pay/Fitbit Pay

    Your OCBC Frank Credit Card can be linked to the mobile wallets mentioned below:

    • Fitbit Pay
    • Apple Pay
    • Garmin Pay
    • Google Pay
    • Samsung Pay

    Can It Be Used With EZ-Link? Yes

    Yes, the OCBC Frank Credit Card can be used with EZ-Link.

    How to Block or Unblock the Card – Call OCBC hotline

    You need to call OCBC’s 24-hour customer service hotline to block or unblock your OCBC Frank Credit Card.

    How to Reset the PIN – Internet or Phone Banking/Submit a form

    You need to follow the steps mentioned below to reset your credit card PIN:

    • A form called ‘Services for Credit Card’ needs to be submitted to the OCBC Bank.
    • Select the option ‘Re-issue your Credit Card PIN’.
    • Use the business reply envelope to mail your signed and completed form to the OCBC Bank.
    • Your PIN will be reset within 5 working days.

    Alternatively, try using your phone banking or online banking credentials.

    What Is the Billing Cycle and the Bill Due Date? – Check your monthly bill

    Your monthly card statement will have the details regarding your billing cycle and due date. The billing period will be determined based on the number of working days in a month under consideration. The billing cycle will vary from customer to customer.

    How to Get a Replacement Card – Form/Phone banking/Internet banking/Mobile banking

    You need to submit the ‘Services for Credit Card’ form to the OCBC Bank. Your request for a replacement card will be processed in less than 5 business days. You could also use phone banking, mobile banking or internet banking modes.

    How to Temporarily Increase the Limit of the Card – Call the hotline

    In order to increase your credit limit on a temporary basis, you need to call OCBC’s hotline and get in touch with one of the customer service officers.

    You’ll be approved with a temporary increase on your card limit under the following circumstances:

    • Medical purposes
    • Wedding
    • Travel
    • Funeral expenses
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